发展我国私人银行业务的若干思考

20074136JOURNALOFHENANINSTITUTEOFFINANCIALMANAGEMENTNo.42007SerialNO.136:(),:2007-05-29:(1952-),,,,;(1981-),,,1,2(1.,100818;2.,100818):,,,,,,,,,,:;;:F832.2:A:1008-7796(2007)04-0038-0520073,,,(),400,,,,,(HNW-HighNetWorth),,,,,(),,,,,,20055,(),:,,83,,,()::,20061-2,:,,,,,,,,,,,,,,,,,,,,,,(),,:,,;,;,,,,,,,,,,,(),,,,,,,,,,,,,(),,,2006,,,,,,,93,,,:,,,,2000,2003,,,VIPVIP,,,,,VIP:2006,200620,96-102()1.,,,,2006,2005,18%,,25,,0.4%70%,,15070%,,,,,,,,,,,,,2.,,,,,,,,,,,,,,,,,,04,,,,,,,,,,,,,,,,,,,,,,,,,,,(),,,,,,,:;,,,,,,,,,,,,,,,,,,(),,,,,,,,,,,,,,,,,,,,,,14,(),,,,:;;;,,,,,(),,,;,,,,2007328,(Coutts),300,,,:[1].[EB/OL].[2].[EB/OL].[3],.:[J].,2006,(1-2):44-49.(:)SomeThoughtsonDevelopingPrivateBankingBusinessinChinaWANGYuan-long1,WANGYan2(1.BankofChina,Headoffice,Beijing100818,China;2.SchoolofFinance,CentralUniversityofFiscalandEconomics,Beijing100818,China)Abstract:Privatebankingisanindividualizedhigh-qualityfinancialserviceofferedforbetteroffpersonsintheso2cietycenteredwithwealthmanagementitsprominentfeatureisanorderedfinancialservicesuitableforthedemandsofthecustomers,withconfidentialandprivatefeature.ThereisahugepotentialwealthmanagementmarketwithahugedemandinChina,andChina-fundedbankshaveacomparativeadvantageinprivatebankingbusiness,andthereisagoodfuturefordevelopingprivatebankinginChina.Butitalsofacessuchlimitingfactorsasbackwardserviceconcepts,narrowofferofproducts,lackofspecializedtalents,laggedbehindmanagementinformationsys2tem,etc.Therefore,it’snecessaryforChina’sbankingindustrytoconstructcorrectfinancialserviceandfinancialconsumptionideas,toacceleratebusinesssynchronizationwithextensionoffinancialproducts,tobuildhighlyeffec2tivetalentmechanismandinformationmanagementsystem,tostrengthencooperationoftheforeign-fundedbankswithrichexperienceonprivatebankingbusiness,soastopromotethedevelopmentofprivatebankingbusinessinChina.Keywords:privatebankingbusiness;productionandservice;feasibility24